Does Car Insurance Cover Rodent Damage: Outline, Filling Claims, Coverage, Prevention & Liability Insurance

Does Car Insurance Cover Rodent Damage: Unravelling the Truth.!!!

An image illustration of an individual asking themselves whether Car Insurance Covers Rodent Damage
Know more about the factors influencing coverage and potential exclusions.

Rodents are not only annoying, but they can also cause serious damage to your car.

They can chew through wires, hoses, belts, insulation, and other parts of your car, leading to electrical problems, engine failure, or even fire.

Rodent damage can cost you hundreds or thousands of dollars to repair, depending on the extent and location of the damage.

But does car insurance cover rodent damage?

The answer depends on the type of car insurance you have and the terms and conditions of your policy.

In this blog post, we will explain how different types of car insurance can help you pay for rodent damage to your car.

We will also provide some tips on how to prevent and deal with rodent damage to your car.

Comprehensive Coverage

Comprehensive coverage encompasses damage to your car from incidents beyond collisions, including:

An infographic illustration of Comprehensive Coverage

While optional in most states, you can add comprehensive coverage to your policy for an additional premium.

This coverage can include rodent damage as long as it’s not due to wear and tear, neglect, or maintenance issues.

However, comprehensive coverage typically involves a deductible, necessitating you to pay a specific amount before the insurance company covers the rest, the amount varying based on your policy.

Collision Coverage

Collision coverage addresses damage resulting from collisions with vehicles or objects like trees, fences, or poles.

Also optional in most states, collision coverage can be added to your policy for an extra fee.

Rodent damage is covered under collision insurance only if the damage stems from colliding with a rodent or another animal.

For instance, if you hit a deer or squirrel on the road causing damage to your car, collision coverage can finance the repairs.

Like comprehensive coverage, collision coverage entails a deductible, the amount depending on your policy.

Liability Insurance

Liability insurance, mandatory in most states, covers damages and injuries caused to others and their property during an accident but excludes damage to your vehicle or injuries.

Rodent damage to your car isn’t covered by liability insurance regardless of the cause or extent of damage.

Unless you have comprehensive or collision coverage, you’ll be responsible for the repair costs incurred due to rodent damage.

Preventing and Addressing Rodent Damage

While car insurance may cover some or all of your rodent-related damage, securing compensation isn’t always straightforward.

Here are some suggestions for preventing and managing rodent damage to your vehicle:

  • Park your car in a garage or well-lit area, steering clear of locations like trash cans or bushes where rodents may lurk.
  • Routinely inspect your vehicle for signs of rodent damage such as chewed wires, nests, droppings, or urine stains.

Promptly report any damage to your insurance company and document it with photos or videos.

  • Utilize rodent repellents like peppermint oil, mothballs, or ultrasonic devices to deter rodents.

Consider employing rodent-proof materials such as metal mesh to seal openings where rodents may enter.

  • Seek professional pest control services to eradicate rodents around your car and prevent their return.

Consult a mechanic to repair damage and install protective measures like rodent-resistant tape or wire.

  • Engage a car accident lawyer to represent you and safeguard your rights.

A lawyer can aid in negotiating with your insurance company, gathering evidence, and calculating damages.

Legal assistance may also be necessary if your claim is rejected or undervalued.

How can I determine if rodents have damaged my car?

Some evident signs of rodent damage to your vehicle include chewed wires, hoses, belts, or insulation, as well as the presence of nests, droppings, or urine stains.

However, certain indications of rodent damage might not be immediately visible, such as:

Electrical issues, engine failure, or fire hazards.

Hence, it’s crucial to regularly inspect your car for any signs of rodent damage and consult a mechanic if you suspect any issues.

Will filing a claim for rodent damage impact my car insurance premiums?

Whether filing a claim for rodent damage affects your car insurance rates depends on various factors including your insurance provider, policy terms, and claims history.

Typically, filing a comprehensive claim for rodent damage shouldn’t raise your rates since these claims are deemed non-fault claims.

However, submitting a collision claim for rodent damage might lead to increased rates as collision claims are considered at-fault.

Moreover, making multiple claims for rodent damage could potentially elevate your rates, suggesting a higher risk of future claims.


Q: How common is rodent damage to cars?

A: Rodent damage to cars is more common than you may think, especially in the winter months, when rodents seek shelter and warmth in cars.

According to a study by State Farm, rodent damage claims increased by 29% from 2014 to 2019, and the average claim cost was $1,789.

Rodent damage can affect any make or model of car, but some cars may be more vulnerable than others, depending on the materials and design of the car.


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